How does this plan work?

I know I am not the only one who does not understand the types of coverage offered. I know some make you go get examined by a doctor before offering you any kind of term life insurance. I do believe you need it, yet I somehow have always thought of it as a jinx. Now this is only to my policy, not my mates. I suppose that is funny, but it is like signing the donor card on your license. I feel the same way about that too. I know how silly that is but I cannot help it, it is a thing with me I guess.